JPS63167966A - Remittance transaction processing system - Google Patents

Abstract

PURPOSE:To efficiently execute a remittance transaction processing by providing a means for registering a necessary matter to the center computer by a customer's will and a means for issuing automatically a remittance exclusive detailed statement, in case there is a prospective remittance schedule to the same remittance destination. CONSTITUTION:In case a customer executes a remittance in cash for the first time, at the time of confirming a registration of a remittance destination, whether the destination is registered in a remittance exclusive detailed statement in order to execute a remittance to the same remittance destination in the next time and thereafter, or the remittance is executed this time only is confirmed through a display picture of a CRT. As a result, when a display for showing that the remittance is executed in the next time and thereafter is touched, the remittance exclusive detailed statement is issued and a registration to the center computer is executed. That is, as for an issue of the remittance exclusive detailed statement, after a guidance by a picture display, transaction details are printed in the remittance exclusive detailed statement, and by keeping pace therewith, a telegraphic message of the issue is transmitted to the center, and from the center, information such as an issue office number, an account number, a registration number, etc., is communicated. When reception is completed, a remitance destination registration list picture is displayed, an advance registration inquiry, etc., are executed, the remittance transaction processing can be executed efficiently, and also, a customer service can be improved.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a transfer transaction processing method in financial institutions such as banks.

[Conventional technology]

Traditionally, when using a card to transfer funds by account transfer, the transfer recipient must be registered in the card account on a general-purpose terminal other than the transfer transaction device upon request from the customer in advance, or with recent transfer transaction devices, Automatic registration at the center was performed at the same time as the transfer process. Additionally, for first-time customers who made a cash transfer, a paper card was automatically issued according to the customer's will, and the customer had to input the information when making a subsequent transfer to the same recipient.

Furthermore, at the request of the customer, we issued a detailed statement for transfers in advance using a general-purpose terminal other than the transfer transaction device.
Even if a bank transfer statement was used, the transfer destination was not registered in the center, and only the transaction details were printed.

[Problem that the invention seeks to solve]

In the conventional method described above, a paper card ticket is automatically issued and used, so only one transfer destination can be registered due to the magnetic stripe capacity on the paper card, and the paper card has poor storage stability. Furthermore, the transfer transaction device itself was equipped with a separate unit that had a mechanism for writing the transfer destination on the magnetic stripe of the paper card, a reading mechanism, and a stacking mechanism, making the device itself large and expensive. .

Furthermore, even when a customer makes a transfer using the transfer-only statement book, the transfer destination is not registered at the center, making it difficult to perform simple operations.

[Means for solving problems]

The system of the present invention is a means of registering the transfer destination, client's name, etc. in the center computer according to the customer's will if the customer plans to make a transfer to the same transfer destination in the future when making a cash transfer. The present invention is characterized in that it includes means for automatically issuing a stacked transfer-only statement book when the above-mentioned schedule is scheduled, and means for printing transaction details, etc. on the transfer-only statement book.

〔Example〕

Next, the present invention will be explained with reference to the drawings.

FIG. 1 shows the appearance of an automatic transfer machine that is an embodiment of the present invention.

Referring to Fig. 1, on the horizontal operation surface in front of the transfer machine 1, there is a display and touch panel (hereinafter referred to as CRT) 2 for displaying and inputting operation procedures and other matters by the customer, and a receiver's name and other information. A handwriting tablet 3 for writing the client's name, a handwriting writing pen 3A, and a writing completion area 3B.
This will notify you of any mistakes made when filling out the form. A "rewrite all" area 3C is provided.

Further, the nearly vertical operation surface is provided with a passbook insertion/return slot 4, a card insertion/return slot 5, and a two-sided display 6 for in-progress and canceled transactions.

A cash processing machine 7 is installed in parallel next to the transfer machine 1, and deposits banknotes and coins, and pays banknotes and coins as change.

FIG. 2 shows an overview of the operations performed by a first-time customer and the processing of the transfer machine 1 when making a cash transfer.

Initially, on the screen of the CRT 2, a guidance message "Touch input the transfer method" is displayed.

When the customer selects the transaction by touching the transfer method, whether by cash or card (Step 10)
, the display on the CRT2 changes to the transfer amount input screen.

When you enter the transfer amount (step 11), the CRT
Step 2 takes you to a screen where you can select the name of the bank you want to transfer money to. Customers,
Select your own bank and other banks. In the case of other banks, major financial institutions can be selected with a single touch, and other banks can be selected by specifying one letter of the name using the on-screen keyboard displayed in alphabetical order (step 12).

Next, the CRT 2 changes to a screen where one character of the name of the branch name is selected using a keyboard displayed in alphabetical order, and the user selects from the list of branch names displayed by touching a key (step 13). A desired bank or branch can be selected by repeatedly selecting the 50 syllabary letters starting from the beginning of the name.

If the transfer destination bank name is another bank, CRT2 will move to the transfer method selection screen where you can select wire board or document board, and by selecting either wire or document (step 14),
RT2 changes to the subject selection screen. If the transfer destination is your own bank, there is no provision for a document board, and even if the transfer is to another bank, some financial institutions only have a telegraph board at the automatic transfer machine. Select either ordinary or current account as the account for the customer's transfer (
Step 15) Enter your account number (Step 16)
At the same time, the transaction fee inquiry is made to the center (step 17).

Next, if the transfer destination (step 18) is the bank's own bank, the customer inquires about the transfer account at the recenter using the transfer destination branch number and item 1 account number entered by the customer (step 2A), checking whether there is an account or not. and the recipient's name, etc. If the transfer destination (step 18) is another bank, the CRT2 will move to the recipient name entry screen, enter the recipient name and confirm it (step 19), and then enter the name of the person requesting the transfer. The screen changes.

After inputting and confirming the client's name (step 20), the CRT 2 changes to the client's telephone number input screen. When entering the client's telephone number, the regulations state that addresses can be entered instead of telephone numbers, but addresses are longer and more complex to enter, and telephones are more popular, so Entering a number is probably more common.

All the data required for the transfer have been entered manually by the client's telephone number (step 21). Therefore, C
A confirmation of the transfer details is displayed on RT2, and a list of the transfer details is displayed to the customer and a final confirmation is requested. If there are no errors in the transfer details, touch the confirmation key (step 22).
The CRT 2 changes to a cash insertion screen, and the cash processing machine 7 prompts the user to deposit banknotes and coins. If the amount of banknotes and coins deposited exceeds the total amount of the transfer amount and handling fee, the CRT2 will transition to the deposit amount confirmation screen, and when the confirmation key is touched (step 23), the transfer destination registration confirmation screen will be displayed. Therefore, confirm the transfer destination registration on this screen (step 24).

If the customer plans to make another transfer to the same transfer destination in the future, he or she touches "Next transfer" (step 24) to issue a transfer-specific detailed statement.

At the same time as the transfer destination registration confirmation is displayed on the CRT 2, communication regarding transfer processing is performed with the center (step 25).

Next, if you have change, release the change.

By returning the change (step 26), if "next transfer" is touched in the transfer destination registration confirmation in step 24 (step 27), a request for issuance of a detailed statement for transfer is communicated with the center (step 28). Then, take out the remittance statement slip from the stacker and print out the transaction details. In addition, if "next transfer" is not touched in step 24 and the transfer is only this time, a receipt is printed. Upon completion of printing, the bank transfer statement or receipt is returned to the customer (step 29).

FIG. 3 shows steps 24 to 2 in FIG.
Details up to 9 are shown. When a customer makes a first transfer in cash (step 30), the CR
On the transfer destination registration screen displayed on T2, you can register in the transfer details book (step 32) to transfer to the same transfer destination from next time onwards, or you can make a transfer only this time (step 33).
), and at the same time communicates with the center about transfer (steps 35 and 36).

If the customer does not touch either key, time is over after n seconds have elapsed (step 34), and processing is performed without registration. This n second period may be set to a long value in the case of a system in which it is desired to issue as many transfer-only detailed statements as possible and to allow later entry. A minimum of 20 seconds is required.

Upon key touch or timeout, the CRT2 will display the process in progress (step 37) and register the transfer destination (step 38)
If the customer is a first-time customer (step 41), the process moves to the change phase (step 44). Step 3
If the answer is Y in step 2 and N in step 41, this means that the transfer was made to a recipient that is not registered at the center using a special remittance slip, and in this case, regardless of the customer's will, the The bank transfer destination is registered at the center (step 42).

In the pre-registration method (step 39) of registering at the center and transferring money to a certain payee using a transfer-specific statement book, transaction details are printed on the transfer-specific statement book (step 43). If you are a first-time customer and the transfer destination has not been registered (step 33) or the time has expired (step 34), the transaction details are printed on the receipt slip (step 40) without issuing a transfer-specific statement slip (step 40). .

Next, if there is change (step 44), a banknote/coin change screen (step 45) is displayed on the CRT 2, the change is released, and the system waits for receipt (step 46).

When issuing a bank transfer statement (step 47),
As shown in Figure 6, step 48 will guide the customer with the message ``We will create a bank transfer statement'' on the CRT2.
), the transfer statement book is taken out from the stacker and the transaction details are printed (step 49), and at the same time, a message is sent to the center to issue the transfer statement book, and the center sends the issuer store number.

Receive the account number, registration number, and information to be printed on the back of the cover of the transfer statement (hereinafter referred to as endpaper printing information) (step 5o), and when printing is completed, display media receipt on the CRT 2 (step 51); Wait for media receipt (step 52).

If a transfer-only statement book is used and the transfer-only width is to be carried over (step 53), a guidance screen as shown in Figure 6 will be displayed (step 54), as in the case of new issuance.
At the same time as the transfer-specific statement book is fed out from the stacker, a message from the transfer-specific passbook is sent to the center, the endpaper printing information is received (step 56), and the endpaper is printed (step 55). When printing is completed, a medium reception message is displayed on the CRT 2 (step 57), and the medium reception is awaited (step 58).

FIG. 4 shows an overview of the operations performed by the customer and the processing of the transfer machine 1 when using the issued transfer specific statement.

When the CRT 2 selects a transfer using a bankbook and cash in the transaction selection (step 60), the display on the CRT 2 changes to a guide for inserting a detailed statement. When the customer inserts the transfer specific statement (step 61), the screen changes to the transfer amount input screen. When the transfer amount is input (step 62), all details of the transfer destination registered at the center are inquired at the same time using the issuer number and account number read from the magnetic stripe of the transfer details book (step 63). ). Upon completion of the reception, the transfer destination registration list screen will be displayed on the CRT 2 as shown in Figure 7 (step 64). When the customer touches the transfer destination (step 65), the center will display the bank account number 9 that issued the transfer details. Perform pre-registration inquiries using the number and registration number, etc. (
Step 66).

Based on this inquiry result, a confirmation of the transfer details is displayed on the CRT 2 (step 67). This input method can greatly omit operations performed by first-time customers and speed up operations.

〔Effect of the invention〕

As explained above, the present invention provides automatic issuance, carryover, and use of a transfer-only detailed statement, so that financial institutions that install a transfer transaction processing device can: There is no need to perform procedures on other general-purpose terminals.

■Since the name and phone number of a customer who makes a cash transfer is registered at the center, there is a possibility that the customer may become a customer of the bank.

■If the total amount of transfer and handling fee is 30,000 yen or more, a stamp tax of 200 yen is required to be paid on the transfer receipt when transferring money in cash. The stamp tax is only 400 yen.

■ Speeding up a single cash transfer transaction has the effect of increasing the operating rate of the transfer transaction processing device. Also, for customers, ■ Registering the transfer recipient at the center using a transfer-specific statement book. If the transfer amount is registered, the transfer amount can be entered and the transfer destination can be specified with a single touch of the registration number, and there is no need to input the client's name and telephone number even when transferring to an unregistered transfer destination.

■Since the remittance statement book is in passbook format, it can be used with other automatic teller machines and is easy to operate.

■Transaction details in the remittance statement can be managed in chronological order.

There are conveniences such as

[Brief explanation of the drawing]

FIG. 1 is a perspective view showing the external appearance of an automatic transfer machine as an embodiment of the present invention, FIG. Figure 3 is a flowchart showing the details of the issuance of a transfer-only detailed statement and carryover processing procedure in this flowchart, Figure 4 is a flowchart showing the operation and processing procedure at the time of transfer using the transfer-only detailed statement, and Figure 5. FIGS. 6 and 7 are diagrams showing examples of display on a CRT. 1... Transfer machine, 2... CRT (display and touch panel), 3... Real-time handwriting tablet, 3A...
Handwriting pen, 4...Passbook insertion and return slot, 5.
,. Card insertion and return slot, 7...cash processing machine. Bamboo shoots 4 times

Claims (1)

[Claims] When making a cash transfer, if the customer plans to make a transfer to the same transfer destination in the future, there is a means for registering the transfer destination, client's name, etc. in the center computer according to the customer's will, and if there is such a plan, A transfer transaction processing method comprising: means for automatically issuing a stacked transfer-only statement; and means for printing transaction details, etc. on the transfer-only statement.